| Do you think the residential real estate market has | | | | men and women in America and advocate on their |
| bottomed out? Likelihood is nobody knows and only | | | | behalf with Fannie Mae, Freddie Mac, banks, lenders, |
| time will tell. Sadly a lot of people have lost their house | | | | members of Congress and the White House. |
| to mortgage foreclosure and it could have been | | | | What is some of the information you will need to do to |
| prevented. | | | | improve your odds of staying in your home? You will |
| Why have so many people lost their homes? Plain and | | | | need to call Home Free USA and or NACA to |
| simple, they did not know who to call and or where to | | | | schedule a meeting with one of their representatives. |
| look for the information necessary to help themselves. | | | | Gather documents such as: mortgage loan payment |
| What about you? | | | | stub, last two months bank statements, two pay stubs |
| I do not know about you and I hope you have not lost | | | | from your employer, last two years tax returns, and |
| your home. So what are some of the steps | | | | your monthly budget such as utilities, groceries, |
| necessary to stay in your home and avoid mortgage? | | | | insurance, gas, and credit cards. |
| Great question and I am glad you asked, I will explain. | | | | After your local community nonprofits review your file, |
| The first thing I recommend you do to save your | | | | they will work directly with your lender until you meet |
| home and avoid mortgage foreclosure is to contact a | | | | the lender and or the lender provides a loan |
| nonprofit organization in your local community and | | | | modification, provides a low interest loan, enabling you |
| request to have a meeting with them to discuss your | | | | to stay into your home and get back on your feet |
| mortgage situation. I call this the passion play because | | | | financially. |
| if you want to save your house and credit, you had | | | | I recommended this recipe for loan modification |
| better be passionate about it. | | | | success to several people and discovered many of |
| A few nonprofits that come to mind is Home Free | | | | them were not passionate about calling to schedule a |
| USA or the Neighborhood Assistance Corporation of | | | | meeting with a local community nonprofit and or gather |
| America. These two difference making organizations | | | | all of their documents for review. I do not want you to |
| work to ensure people like you and me get a fair | | | | be passive about avoiding mortgage foreclosure. |
| shake with the big banks, they leverage the power of | | | | Now you know what it takes to change your financial |
| community to ensure you do not lose your home. | | | | circumstances for the better. Get ready for a blessing |
| The reason why Home Free USA and NACA are so | | | | in your life. |
| effective is because they listen to the hard working | | | | |